You Deserve It! Auto insurance discounts from MetLife Auto & Home

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1 You Deserve It! Auto insurance discounts from MetLife Auto & Home

2 You re already protected by some of the most valuable auto coverages available today like replacement cost for total losses and claim-free driving rewards but did you know you may qualify for additional discounts, just by being a loyal MetLife Auto customer? MetLife Auto & Home is pleased to provide our valued customers with a wide variety of savings on auto insurance, ranging from safety device and driver improvement course discounts to reduced premiums for having your life or home insured with us, too. We want to ensure you re receiving all the discounts you re entitled to after all as our customer, you deserve it.

3 What discounts am I receiving now? If you have a good student in the house or an anti-theft device in your car, you may already be saving on your auto premium. Your policy Declarations Page and Savings Summary detail all of the discounts that currently apply to your policy. Look next to the name of the discount on the Savings Summary for the actual savings amount. Be sure to regularly check the Savings Summary for any potential discounts you may be eligible to receive in the future. Rewards for Your Customer Loyalty Multi-Car Discount in most states, we offer reduced rates if you own two or more autos and insure them with us. All you need to do is purchase certain auto coverages for at least two of the vehicles. Call today for more details. Auto Policy Plus (Multi- Policy)*: Add a Home Policy. Enjoy the convenience of dialing just one telephone number for all of your insurance needs. And as an added bonus, you ll save on the cost of your auto insurance. This is our way of saying thank you for your loyalty. Add a Life Policy. If you or your spouse have purchased an annuity, individual life, individual disability, or individual long-term care policy from MetLife, you ll save again on the cost of your auto insurance. * Discount may not be available for autos insured with Metropolitan General Insurance Company. Mobile Home and Renters policies may not qualify, based on your state.

4 MetRewards and Superior Driver Discounts If all drivers in your household maintain outstanding driving records, you ll automatically receive a discount. What s more, the amount of the discount increases*, depending on the number of years you are insured with us and the number of years a superior driving record is maintained. The savings for these discounts is applied to your premium for Bodily Injury Liability, Property Damage Liability, Medical Expense (or Personal Injury Protection, depending on your state), Comprehensive and Collision Coverages. *Does not apply to Metropolitan General Insurance Company. Discounts for keeping you and yours safe We applaud safe driving practices and reward our customers with valuable savings on your auto insurance premium. Take a look at the many ways we say thanks for driving safely, in addition to our MetRewards and Superior Driving Discounts described above. Driving Safety Courses: Defensive Driver Discount voluntarily enroll and successfully complete a motor vehicle accident prevention course approved by your state and you ll receive our Defensive Driver Discount. Just send us a copy of the course s certificate of completion when you re done. Because age and course requirements vary by state, call for discount information in your state. Depending upon your state, the discount may apply to all coverages or one or more of your premiums for Bodily Injury, Medical Expenses (or Personal Injury Protection), Property Damage, Comprehensive and Collision Coverages. Driver Improvement Course Discount (online/video/cd-rom) complete a driver improvement course, available online, on VHS video, or CD-ROM, and receive a discount. Ask us about approved courses, qualifications and state availability.

5 Safety Device Discount This discount gives you several saving options, depending upon the factory-installed safety systems in your vehicle. Discounts are available for: Airbag(s) Automatic seatbelts Combinations of the above Anti-lock brakes Depending upon the discount, we may ask you to send us additional information, such as proof of installation or a sales receipt. As soon as we receive the information, we will apply the discount as of the date shown on the written proof, as long as the date is not before the effective date of your current policy term. Otherwise, we will apply the discount as of the effective date. Passive Restraint Discounts apply to your premium for Medical Expense (or Personal Injury Protection, depending upon your state). In addition, the Anti-Lock Brakes Discount applies to your premium for one or more of the following: Collision, Bodily Injury Liability, and Property Damage Liability Coverages. Discounts for keeping your car safe If you have one of the following anti-theft devices, you may qualify for a discount on the Comprehensive Coverage premium of your auto insurance policy. Anti-theft devices generally fall into one of these two categories: Passive Disabling Device anti-theft disabling systems that are activated automatically when you turn off your ignition. Active Disabling Device anti-theft disabling systems that require you to perform a separate manual step to activate the device. Discounts are also available for the anti-theft devices listed below: Audible Alarm* an anti-theft system that sounds an alarm for a required length of time and can be heard within a specified distance. Vehicle Recovery Device* an electronic unit installed in your vehicle and activated after the auto has been reported stolen. By using a radio frequency network

6 assigned by the Federal Communications Commission, the device alerts law enforcement officials to the vehicle s location. The LoJack Recovery System is an example of a qualifying vehicle recovery device, however not all vehicle recovery devices may meet the requirements for this discount. Glass Etching* your Vehicle Identification Number (VIN) or any other unique identifying symbol is permanently etched into the window glass (including windshield, door glass and rear window) of your vehicle. Combat Auto Theft (New York only) a MetLife Auto & Home program, developed in conjunction with New York community police departments, where you register the vehicle(s) on your auto policy with your local police department. This agreement allows police officials to stop your auto without due cause between the hours of 1 a.m. to 5 a.m. (the time when most auto thefts occur) and request identification. Call your representative, Independent Agent, or our Customer Service Department for the necessary enrollment forms. *Discounts are subject to state availability and qualification. Some discounts are available in certain states only. Please refer to the Savings Summary in your policy package for a list of discounts available in your state, or contact your MetLife Auto & Home representative. (Devices that lock onto your steering wheel are not eligible for this discount.) More Discounts And Ways to Save Good Student Discount high school and full time college, junior college, vocational/technical students and graduates who maintain good grades are recognized with our Good Student Discount.* To qualify, students must meet one of the following requirements: rank among the top 20% of the class, maintain a B average or its equivalent, maintain a 3.0 average in a 4-point system for all subjects combined, be included on a Dean s List or Honor Roll. Please send us a copy of a report card, transcript, Dean s List or Honor Roll from the most recent school semester or proof of graduation with the required grade point average. *Certain age and grade level requirements apply.

7 Student Away students under 25 who are insured on your policy may qualify you for a reduction in your auto insurance if they: reside at an educational institution (boarding school, college, etc.) more than 100 miles from home, and, have limited access to your insured vehicle. The Student Away Discount applies to your premiums for Bodily Injury Liability, Property Damage Liability, and Collision Coverages. Save By Buying Smart. The next time you re in the market for a new auto, remember that the type of auto you buy can make a difference in the cost of your auto insurance. Statistics show that in accidents, some autos offer more protection resulting in fewer injuries, than others. Some models cost less to repair, and certain cars are less likely to be stolen. For more information, call your agent or MetLife ( ) to request our brochures: Injury, Collision and Theft Losses and Shopping for a Safer Car. Once you ve narrowed down your choices, call us and we can give you an idea of how much it will cost to insure the autos on your wish list. It s a decision that could put additional dollars in your pocket! How To Add A Discount If you find you qualify for a discount described here, but it s not listed on your Declarations Page or Savings Summary, call your representative, Independent Agent, or our Customer Service Department at the number found on the Customer Service and Claim Directory in your policy package. If no additional information is needed, you ll begin receiving the discount savings as of the date you notify us.

8 Free Life Advice We all need advice once in a while, whether it s buying a car, selling a home, or teaching your teen to drive. For a complete selection of free brochures, visit us at Or call us at MetLife ( ). This brochure does not constitute part of the insurance policy or binder of insurance and should not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this brochure, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details. If you have any questions about coverage provided, or any exclusions or limitations, please call your representative. Auto policies are provided by either Metropolitan Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, all of Warwick, RI or Liberty County Mutual Insurance Company, Irving, TX, through an arrangement with Metropolitan Property and Casualty Insurance Company. In some instances, special arrangements for coverage have been made with other carriers. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its Affiliates, Warwick, RI. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its Affiliates, Warwick, RI One Madison Avenue, New York, NY MPL (0404) L0403CWCY(exp0308)MPC-LD Printed in USA 2004 MetLife, Inc. PEANUTS United Feature Syndicate, Inc. N03